Knock-for-Knock Agreement
A knock-for-knock agreement is a common insurance arrangement between vehicle insurers. It means each driver pays for their own damages after an accident—no blame, no hassle, and faster claim processing.
How Does a Knock-for-Knock Agreement Work?
- No fault assignment: Insurers agree not to dispute liability.
- Quick repairs: You can get your vehicle fixed faster without waiting on legal processes.
- Reduce paperwork: Your insurer handles your claim directly.
- Still pay your excess: You pay your agreed excess, and your insurer covers the rest.
Who Benefits from Knock-for-Knock?
- Drivers with comprehensive car insurance—regardless of who is at fault
- Insurers—by reducing legal costs and speeding up settlements
- Body shops and repair centres—through faster approvals and repair authorisations
Pros and Cons Explained
Benefits
- Faster vehicle repairs and claim resolutions
- Less administrative work for you
- No need to gather fault evidence or get police reports
Considerations
- You still pay your excess, even if you're not at fault
- Your no-claim bonus may be affected by the claim
- Not all insurers offer knock-for-knock agreements—confirm before you sign
How to Choose a Policy with Knock-for-Knock
- Ask if knock-for-knock is included in your comprehensive car insurance
- Compare insurers, as not every provider offers this benefit
- Check excess amounts and how a claim impacts your no-claim bonus
Fast, Fair Claims with Knock-for-Knock
With a knock-for-knock agreement, you avoid delays and disputes—get your car repaired efficiently and move on. It’s about convenience, speed, and fewer headaches when accidents happen.